Terms of Service
Last updated: October 2025
1. Acceptance of Terms
By accessing and using the Займы Онлайн — A. M. Limited application ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Service.
2. Description of Service
ACTUALLY MORTGAGES LIMITED provides a digital platform that connects users with various financial institutions and lending partners to facilitate loan applications and financial services. Our Service acts as an intermediary between borrowers and lenders.
3. Eligibility
To use our Service, you must:
- Be at least 18 years of age
 - Have legal capacity to enter into binding agreements
 - Provide accurate and complete information
 - Comply with all applicable laws and regulations
 
4. User Responsibilities
As a user of our Service, you agree to:
- Provide truthful and accurate information
 - Maintain the confidentiality of your account credentials
 - Use the Service only for lawful purposes
 - Not attempt to circumvent any security measures
 - Notify us immediately of any unauthorized use of your account
 
5. Loan Applications and Processing
When you submit a loan application through our Service:
- We facilitate the connection between you and our lending partners
 - Lending decisions are made by our partner institutions, not by us
 - We are not responsible for loan approval or denial decisions
 - Interest rates and terms are determined by the lending institution
 
6. Fees and Charges
Our Service may charge fees for facilitating loan applications and providing financial services. All fees will be clearly disclosed before you complete any transaction. You are responsible for all applicable fees and charges associated with your use of the Service.
7. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection, use, and disclosure of your personal information.
8. Limitation of Liability
To the maximum extent permitted by law, ACTUALLY MORTGAGES LIMITED shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.
9. Termination
We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
10. Governing Law
These Terms shall be interpreted and governed by the laws of England and Wales, without regard to its conflict of law provisions.
11. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
12. Contact Information
If you have any questions about these Terms of Service, please contact us at:
Company: ACTUALLY MORTGAGES LIMITED
Address: 6 Park Farm Close Longton PR4 5ZG Preston
Financial Partners
We work with the following financial institutions to provide you with the best loan options:
Halyk Bank
Joint Stock Company "Halyk Bank of Kazakhstan"
Акционерное общество «Народный Банк Казахстана»
Phone: +7 (727) 259-07-77
Email: info@halykbank.kz
Bank RBK
Bank RBK Joint Stock Company (Bank RBK JSC)
Акционерное общество «Bank RBK»
Phone: +7 (727) 330-90-30
Email: info@bankrbk.kz
Bank CenterCredit
Bank CenterCredit Joint Stock Company (Bank CenterCredit JSC)
Акционерное общество «Банк ЦентрКредит»
Phone: +7 (727) 244-30-30
Email: info@bcc.kz
Freedom Bank
Freedom Bank Kazakhstan Joint Stock Company (Freedom Bank Kazakhstan JSC)
Акционерное общество «Freedom Bank Kazakhstan»
Phone: +7 (727) 259-55-95
Email: salem@freedombank.kz
Otbasy Bank
Joint Stock Company "Otbasy Bank" House Construction Savings Bank (Otbasy Bank JSC)
Акционерное общество «Жилстройсбербанк "Отбасы Банк"»
Phone: +7 (727) 330-93-00
Email: mail@otbasybank.kz